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With a reverse mortgage, the borrower doesn't make monthly payments to the lender. Instead, the loan is repaid to the lender via proceeds raised from the sale of the property after the borrower moves out of the home or dies. How to get a home mortgage. Take a look at your credit. Strong credit can help you get a mortgage loan at attractive interest rates. Before applying for a loan, take a look at your credit score.
A FICO credit score of 670 to 739 i need a 40000 personal loan considered good, while a score of 740 to 850 is considered very good or exceptional. If your score is weak, consider taking steps to improve your credit before seeking a loan.